What is Non-Standard Home Insurance?
Non-Standard Home Insurance provides cover for properties that may be harder to insure due to their construction type, usage, location, or occupancy status. This includes homes with flat roofs, thatched roofs, listed status, or those that are unoccupied or under renovation.
At Crowthorne, we understand that unique homes require unique solutions. We make insuring non-standard properties straightforward no unnecessary complications or inflated premiums.
Not all homes fit the standard mould—and neither should your insurance. If your property is unusual in its build, usage, or occupancy, our Non-Standard Home Insurance is designed to offer tailored protection where standard policies might fall short.

What types of homes are classed as non-standard?

We provide insurance for a wide variety of non-standard properties, including but not limited to:
- Listed buildings
- Thatched roof homes
- Timber or steel-framed construction
- Flat roofs (part or full)
- Barn conversions
- Unoccupied homes (short or long term)
- Homes undergoing renovation
- Holiday homes or second homes
- Properties with subsidence history or flooding risk
- Multiple occupancy homes (HMOs)
What does Non-Standard Home Insurance cover?
We’ll work with you to tailor a policy around your property’s unique features. Coverage can include:
Buildings Insurance
Contents Insurance
Accidental Damage
Legal Expenses
Home Emergency Cover
Alternative Accommodation
Liability cover (for holiday let or rented properties)
What Our Customers Say
"Other insurers said no—Crowthorne said yes."
I struggled to get cover for my listed cottage with a thatched roof. Other companies either refused or quoted astronomical prices. Crowthorne understood the risks and worked with me to get fair, realistic cover. The service was personal and straight to the point—exactly what I needed.
I struggled to get cover for my listed cottage with a thatched roof. Other companies either refused or quoted astronomical prices. Crowthorne understood the risks and worked with me to get fair, realistic cover. The service was personal and straight to the point—exactly what I needed.
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Tailored Insurance Review
Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.
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Finalise Your Cover
Explore your options and select the policy that best matches your requirements and budget.
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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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